| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $177K | $0 | $177K | 8.21% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $26K | $26K | 1.22% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METLIFE LEGAL PLANS | $29K | $0 | $29K | 11.02% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | METLIFE LEGAL PLANS | $0 | $6K | $6K | 2.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 433 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $2.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $2.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $2.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,051 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,051 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.